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Helping Professionals and Business Owners Retire Successfully

Many people contemplating retirement have common questions and concerns 

Income Insecurity 

Income Insecurity 

Am I confident that my money will last and not run out?

Lifestyle Maintenance

Lifestyle Maintenance

Will my money's purchasing power allow me to maintain the lifestyle I worked so hard to attain?

Things Beyond Our Control

Things Beyond Our Control

How will I manage the unexpected?

Many of our clients used to have these same concerns. You don’t have to do it alone. We’re here to help you pursue your retirement or work-optional lifestyle so you can pursue your ideal life with confidence.

Request an Intro Kit

Why Headwater?

We are dedicated to professionally managing, educating, supporting and servicing each client every step of the way. To learn about our firm's philosophy, watch the video below.

Our Proprietary Process 

To address our clients' evolving needs and concerns, we developed a proprietary process called The MosaIQ Method. Our process intelligently arranges your financial pieces in such a way to create a unique picture of your ideal life.

It is designed to continually monitor your critical life and financial events and adjust to keep your plan on track. The MosaIQ Method ensures we never lose sight of the two elements essential to achieving financial independence - the things that matter and the things we can control.

To learn about the MosaIQ Method, watch our video.


Next Steps

INTRO

INTRO

Schedule an Intro Meeting. Together we assess whether our practice's tenets and your service needs mutually align for a successful long-term relationship.

Discover

Discover

Once a fit is determined, we listen as our clients describe their ideal life. We then create a thorough Personal Financial Profile to develop strategies that unite the two.

Design

Design

New clients are on-boarded and receive their Personal Financial Organizer with the MosaIQ method applied to their situation. Any final adjustments are made here.

Deploy

Deploy

The work begins as strategies are put into place to achieve the unified vision.

Dynamic

Dynamic

Scheduled Strategy & Tactical Review meetings future pace the relationship to help anticipate changing needs and adjust strategies as needed.

Finding Efficiency in Inefficient Markets

Our proprietary investment research seeks to identify investments demonstrating an ability to produce better returns relative to the risk needed to generate them. We call this efficiency. Our research calculates numerical factors using daily price changes for each security we analyze so they can be effectively compared to both similar and dissimilar investments. By using daily factors, the research can pick up on trends and shifts in market movements. These factors provide valuable insight as to which investments either remain in, removed from or added to portfolios.

Watch the video to learn more about our investment research process.

Michael Caputo

Managing Director - Chief Investment Officer

205.623.3645

205.972.1213

michael.caputo@saswealth.com

Michael founded Headwater Asset Management in 2009 and serves as its president and portfolio manager. Michael has 30 years experience in financial management including 16 years in the financial services industry serving individuals,...

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Karen Caputo

Client Engagement Director

205-623-3645

205-972-1213

karen.caputo@saswealth.com

Karen serves as Client Engagement Director and is responsible for new client onboarding and client communications. Karen holds a Bachelors of Science degree in Accounting from the University of Alabama. She has an extensive financial...

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